Over a year ago 2 companies charged some fees to our credit card. The card was supposedly closed by our request. We had moved and hadn't recieved any correspondence from the company until over 6mths later we got a forwarded letter saying you owe us a bunch of money for late fees and so forth. I immediately called them to find out who had charged and to what.
First problem they couldn't give us one of the two companies who charged. They would have to send us a statement 4-6 wks. The verbally told me one which I promptly called and got refunded back to my card. Statement comes, latest one available. Have to call, request another statement for that particular charge. 4-6 wks. 5th week no statement. Call, explain, will send out another statement. 3 wks. Finally get it. All this time am being harrased every other day over the phone, where is our money you owe us? Have to explain.
Call company #2 who charged to us. The fight with us about it being a membership fee during that time period. Wouldn't refund dues and fees. Wrote letter and spoke to various people, got refund, supposedly full refund. Got half. Reason we were members to long ago and couldn't possible refund it.
Told Direct Merchants every step we made. Kept themin the loop of corespondence. They knocked the every day calling down to once a week. Got sent to collection.
Finally after filing 2 letters of dispute to company #2 we got the last part of money due credited back. I was told in the begginning of the escaped that if they were fraudualant charges that we wouldn't have to pay fees. Had some fees removed from account periodically during this process. Now have probably spoken to all customer service people, Collections departments, cardmember services. I have had my number "recognized" but a person named "Scott" and hung up on. I have been given the names of JOE DENNY and some others who are fictious supervisor names of people who could help me.
I have been told we can't do anything for you. I have been transferred to a credit counseling company outside the company. I have been sent to cutomer service so many time I could be on first name basis if I wasn't so furious with them.
I am currantly drawing up a letter to send to anybody and everybody I can find wi thin that company explaining what has transpired. I will contanct friends and other business contacts and pass along what has happened to me. I am going to send my story to various Newspaper agencies to get my story out. Any other suggestions would be appreciated.
Carmen
Kapolei, Hawaii
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